Ndalama—Mbuye wa Nkhalwe

KUSATSA MALONDA kumagwiritsira ntchito kukoka malingaliro koipa kusonkhezera ogula. Iko kumasonkhezera anthu ‘kugula zinthu zomwe sakufuna ndi ndalama zomwe ndithudi alibe, nthaŵi zina kusangalatsa anthu omwe samawakonda kwenikweni.’

Ambiri amakopedwa kuyesera kupanga ndalama zochulukira m’chiyembekezo cha kupeza chisungiko. Koma kodi ichi chimatsogolera ku chotulukapo chokumbidwacho?

Liz, yemwe watchulidwa poyambapo, potsirizira pake anakwatiwa ndi mwamuna wokhala ndi chisungiko m’zandalama. Iye wanena kuti: “Pamene ndinakwatiwa, tinali ndi nyumba yokongola ndi magalimoto aŵiri, ndipo mkhalidwe wathu wa chuma unatipatsa ife ufulu wa kusangalala ndi chirichonse chimene dziko linakhoza kupereka m’njira ya chuma chakuthupi, kuyenda, ndi zosangalatsa. Chodabwitsa kwenikweni, ndinakhala wodera nkhaŵabe ponena za ndalama.” Iye akulongosola chifukwa chake: “Tinkataya zambiri. Chikuwonekera kuti ukakhala ndi zochulukira, umadzimvanso kukhala wopanda chisungiko. Ndalama sizinabweretse ufulu kuchokera ku chisoni kapena kudera nkhaŵa.”

Ngakhale kuti chikhumbo kaamba ka ndalama chiri chizindikiro chosiyanitsa cha nthaŵi yathu, kukhutiritsidwa kowona sikumatulukapo kaŵirikaŵiri. “Chikhumbo cha chuma chingawonekere kukhala chachibadwa mu ma 1980, mbadwo wa chuma chakuthupi,” analemba tero David Sylvester mu Detroit Free Press. “Koma ndikuwona kukonda zinthu za kuthupi kumeneku kukhala monga kokha chizindikiro cha kusakhazikika kwathu.”

Kukongola kapena Kukongoletsa?

Ngakhale ngati malipiro anu samakulolani inu kugula zinthu zosangalatsa zina, chitaganya chathu chokonda zinthu za kuthupi chingakuloleni inu kukhulupirira kuti kuli kuyenera kwanu kukhala nazo. Chigogomezero chimenechi pa kusangalala ndi chuma, chogwirizana ndi kusakhazikika kwa mitengo, chadzetsa kupambana kwa malonda a kardi la ngongole, kapena ndalama za plasitiki. Lingaliro liri lakuti ‘sichimapanga nzeru kuyembekeza musanagule popeza kuti mtengo udzakwera motsimikizirika ngati mudzatero.’

Britain, yokhala ndi makardi 22.6 miliyoni a ngongole ndi olipiritsa, tsopano imadziŵidwa monga “wogwiritsira ntchito wopambana” wa makardi oterewa mu Europe, ikumapambana 6.9 miliyoni ya ku France. Ngakhale kuli tero, chanenedwa kuti, msika mu Britain “sunakulebe.” Nthaŵi zasintha chotani nanga! “Kukongoletsa pa nthaŵi imodzi kunali chinthu chinachake chofunikira kupeŵedwa,” yachitira ndemanga tero magazini ya The Listener. “Lerolino iko kukutchedwa ngongole, ndipo kukulimbikitsidwa pa ogula zinthu ochokera ku mbali zonse.”

Monga chotulukapo, ngongole ya dziko lonse yakula ndipo tsopano ikuwopsyeza mitundu yotukuka kwambiri yadziko. Ndipo pa mlingo wa aliyense payekha, ngongole monga mbali ya malipiro iri yokulira kuposa ndi kalelonse. Mkhalidwe umenewu suli wolekezera ku dziko limodzi kapena ngakhale kontinenti imodzi. “M’masiku akale, anthu akuda sankagwiritsira ntchito ngongole,” inachitira ndemanga tero nzika yakuda ya ku South Africa. Koma iye akuwonjezera kuti: “Iri ngongole yawo imene imathandiza makampani ambiri, onga ngati makampani opanga zinthu za matabwa, kukhala m’malonda.”

“Tiri mbadwo WOKONGOLA,” anachitira ndemanga tero wolemba wa zamalonda David Sylvester, “kuwononga mopambanitsa, kusunga zochepera, kukhala mofanana ndi mmene tinaliri kale sikudzachitika m’pang’ono pomwe—kapena ngati kudzatero, chisungiko cha mayanjano chidzatichotsapo.” Chotero, kodi kufikira kwa okonda chuma chakuthupi kumeneku ku moyo kwabweretsa chimwemwe?

Zotulukapo Zomvetsa Chisoni

“Otchuka a mumzinda ‘amachepetsako kupsyinjika mwa kugwiritsira ntchito mbanje,’” unatero mutu wa nkhani mu The Daily Telegraph ya ku London. Inde, ochulukira a amuna amalonda achichepere olipiridwa ndalama zambiri, atakumanizana ndi zodidikiza zokulira pamene akukambitsirana zochitachita za ndalama, amagwera mu msampha wa mliri womakulakula: kumwerekera ndi anamgoneka.

Chigawo cha chuma cha ku New York, chokhala pakati pa Wall Street, chimavutika ndi mliri wofananawo. Woimira wa Federal Drug Enforcement Administration ananena mochirita ripoti kuti: “Awo omwe ali olowetsedwamo ali ochenjera kwenikweni. Anthu samangosuta mbanje mwachiwawa koma samapanga kuphophonya kulikonse, 90% ya iwo mu gawo la za chuma amavomereza kugwiritsira ntchito kwake. Anthu otopetsedwa oterowo odzazidwa ndi zodidikiza zawo zonse amadetsedwa nkhaŵa kotheratu kotero kuti sangachite chirichonse kusiyapo kokha ataphimbidwa ndi chinachake.”

Koma machitachita aupandu omwe pakali pano amaipitsa msika wa za chuma sali kokha olekezera ku kugwiritsira ntchito molakwa anamgoneka. Pali maripoti ochulukira onena za chinyengo ndi malonda a kabisira.

“Kodi ndimotani mmene anthu omwe amalandira zoposa pa $1 miliyoni chaka chimodzi amafunira ndalama koposa chotere kotero kuti ali okonzekera kuswa malamulo kuti apeze ngakhale zochulukira?” Akufunsa tero katswiri wa zamalingaliro wa ku Wall Street Jay B. Rohrlich. Akumayankha funso lake, Rohrlich wapitiriza kuti: “Anthu ena m’chenicheni amalemera ndi kugwidwa pa ndalama m’njira yofanana ndi imene ena amakhalira omwerekera ku zakumwa zoledzeretsa ndi mbanje ndi anamgoneka ena.” Kwa iwo, iye akulongosola kuti, “ndalama zimakhala zochinjiriza ku kudzimva kwa malingaliro a kusakwaniritsidwa.”

M’dziko lathu lokonda zinthu zakuthupi mowonjezereka, kudza kwa mwaŵi sichiri chinthu chofunikira kudabwa nacho. Kufufuza, kofalitsidwa mu magazini ya chiFrench Le Figaro, kumavumbula kuti ndalama ziribe nkomwe ‘fungo loipa.’ Mosangalatsa, pamene anafunsidwa chimene analingalira kuti ndalama zingapatse, 45 peresenti ya anthu achiFrench ofufuzidwa anayankha kuti: chimwemwe. Koma, mwachisoni, kokha chosiyanako chiri chowona.

Kodi chinachake chingachitidwe kuthetsa chikhumbo choipa kaamba ka ndalama chomwe chatulukamo kupanda chimwemwe kokulira kotere?

Kufunika kwa Kudzisanthula Kwaumwini

Inu simungadzimve kuti muli omwerekera ku ndalama. Koma talingalirani: Kodi ndalama kapena chimene ndalama ingagule chiri nkhani yokulira ya kukambitsirana kwanu? Kodi mumaika chigogomezero chokulira pa ndalama? Kodi mumalingalira kuti kawonedwe kanu ka iyo sikali chirichonse chosakhala cha nthaŵi zonse ndipo chotero kulungamitsa kufunafuna kaamba ka iyo?

Osakaikira ponena za icho, pamakhala ngozi m’kugwa pansi pa kuchirikiza kwa ndalama, kukhala kapolo wake. Mphunzitsi wanzeru wa zaka mazana aŵiri zapitazo anachenjeza ponena za “mphamvu za chinyengo” zake ndipo analinganiza chisangalalo cha kukhala ndi ndalama zambiri ku minga yomwe imalasa moyo wa zomera zobala zipatso zokhala pafupi. (Mateyu 13:22) Baibulo limachenjezanso kuti “chikondi cha pa ndalama chiri muzu wa zoipa zonse” ndi kuti awo omwe amachitsatira icho ‘amadzipyoza ndi zowawa zambiri.’—1 Timoteo 6:10.

Zowonadi, pamene ndalama zilamulira, izo zimakhala mbuye wa nkhalwe. Komabe, izo ziri ndi mbali yabwino m’dziko lamakono—monga kapolo.